Atlanta Commercial Casualty Claims Attorney
Commercial casualty insurance is intended to protect Georgia business owners from claims filed by third parties, since accidents and other liabilities can put their interests at risk. Unfortunately, not all insurers live up to these intentions. Even when you expect to be covered, your insurance company may reject your claim and not always for legitimate reasons. A bad faith denial exposes you to significant losses, putting your financial future in jeopardy.
When bad faith is behind a denial of commercial casualty insurance coverage, you do have rights. You may not fully understand your remedies by looking at your policy terms, but you can trust our team at the Carroll Law Firm LLC to explain your options for insurance company misconduct. Please contact our office today to set up a no-cost consultation with an Atlanta commercial casualty claims attorney who can provide details about bad faith insurance practices.
Georgia Commercial Casualty Claims
Your policy for commercial casualty insurance provides coverage for the damages a third party may seek because of an accident or other incident that causes harm. Depending on the terms of your policy, you may have protection through:
- General liability, if you’re sued by a customer, client, or other entity for property damage or injuries;
- E&O, errors and omissions insurance, for professional services organizations;
- Management liability that protects you from the risks of operating the company;
- Workers’ compensation insurance that pays benefits to your employees if injured; and,
- Other specialty coverages and umbrella policies that you may pay for through your premiums.
Your Rights in Bad Faith Insurance Cases
Because you’re in a direct contractual relationship with your insurer, your claim for coverage under a commercial casualty policy is considered a first-party claim. This relationship requires the insurance company to act in good faith in dealings with you, including the duty to pay or deny your claim within a reasonable amount of time. You must also be provided with the reasons behind a rejection.
Failure to comply with these legal obligations could entitle you to seek your remedies under Georgia’s statute on insurance bad faith. Our lawyers at the Carroll Law Firm LLC have in-depth knowledge of bad faith laws, so we’ll fight for your right to:
- Payment in full on the claim that was denied;
- Damages in the amount of half your claim or $5,000, whichever is greater; and,
- Legal fees.
Our process starts with review of your insurance policy and investigation into the underlying causes behind your losses. We’ll follow up by attempting to work out a settlement with the insurer, but we’re willing to take the battle to court to obtain your full range of remedies.
Discuss Your Case with an Atlanta Commercial Casualty Claims Attorney
This overview of bad faith insurance practices may be helpful, but it should also demonstrate why it’s important to retain an experienced lawyer to pursue your legal remedies. Your business interests are at stake so please contact the Carroll Law Firm LLC for more information on how we can support your position. You can call 404-816-4555 to schedule a complimentary appointment at our offices in Atlanta, GA.